521 Copley Dr, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 521 Copley Dr, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,740 sqft · built 1977
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (May 2010)
Tax Bill	$2,247 (2026)
Deeds & Mortgages	May 2020 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`988316824752`

Property Details

APN / Parcel Number

Primary APN	`988316824752`
Alternative APN	`005052000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,740 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Other
Roof Type	Gable
Lot Area	7,000 sqft (0.161 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	988316824752
Street Address	521 COPLEY DR
City	KILL DEVIL HILLS
State	NC
Zip	27948-8963
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 22 BLK: J SEC: 2 PL: 6 SL: 5
Legal Subdivision	OCEAN ACRES
Legal Tract	3
Legal Block	J
Legal Lot Number	22
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1061
Census Tract	970302

Owner

Source: Dare County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	521 COPLEY DR, KILL DEVIL HILLS, NC 27948-8963
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 8, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2010 · Amount on Record
Deed Sale	May 21, 2010 · Amount on Record
Deed Document Number	20106276002
Deed Book / Page	1833 / 374
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	521 COPLEY DR, KILL DEVIL HILLS, NC 27948-8963
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2375/40
Date	May 8, 2020
Book Page	2375/40
Instrument	700077648

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	467 Months
Due	Apr 1, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	521 COPLEY DR, KILL DEVIL HILLS, NC 27948-8963
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2428/289
Date	Oct 28, 2020
Book Page	2428/289
Instrument	700086388

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Dare County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Kill Devil Hills Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,247.00	$412,800 (-) Land $157,500 Building $255,300	$412,800 (-) Land $157,500 Building $255,300
2025	$2,247.00 (+10.2%)	$412,800 (+52.96%) Land $157,500 Building $255,300
2023	$2,039.00	$269,870 Land $87,500 Building $182,370
2020			$412,800 Land $157,500 Building $255,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 190 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	290 units insured incl. 100 condo units
Nearby Flood Claims	22 (2003–2018)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Oct 2018 · Tropical Storm Michael
Claims by Event	Tropical Storm Michael, Oct 2018 · 6 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Irene, Aug 2011 · 7 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 90% of North Carolina
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF KILL DEVIL HILLS serves 7,200 people · EPA ID NC0428015
Water Source	Purchased groundwater from DARE COUNTY WATER SYSTEM
Last State Inspection	Apr 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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